COVID-19

Updates from your credit union.
Q&As

Q&As

Accessibility
Q: Are Shared Branches open?
A: Yes, most are open for drive-up business and many lobbies are open with restrictions. Before visiting a Shared Branch be sure to contact them directly. To locate a Share Branch, click here.
 
Q: Are curbside services available?
A: Yes, we will be happy to assist you with all non-cash services from the safety of your vehicle. Please call ahead and will be prepared to assist you.
 
Q: What can be done through a drive-up?
A: Deposits, withdrawals, transfers, loan payments, credit card cash advances, check cashing and balance inquiries. If you wish to access a safe deposit box or other in-person services, we ask that you make an appointment online or by calling the branch. Other needs may be able to be completed electronically, email info@wakotafcu.org to inquire and save time!
 
Q: What electronic avenues of doing business are still available?
A: All electronic services (ATMs, Online Banking, Mobile Banking, Remote Check Deposit, etc.) will remain up and running. Our Call Center and online chat will also remain open for regular business hours. ATM and Debit Cards are fully operational.
 
Q: How can members set up an appointment to visit with Wakota FCU staff?
A: Please call or visit our website to set up an appointment. If there is specific staff that you work with, you should contact that person directly at 651-451-3330, press 3
 
Q: What can be done through Wakota’s Call Center or by calling the branch directly?
A: These days most new account openings can be done over the phone and by electronic transmission of documents for signatures. In fact, most new deposit and loan accounts are done this way. In order to keep phones lines open we encourage online and mobile account access for balances and transfers. If phones are busy feel free to submit requests to info@wakotafcu.org.
 
Financial & Personal Assistance
Q: What can a member do if their personal income is disrupted by this situation?
A: Our staff is here to help. Wakota FCU has implemented a WE CARE program to assist our members financially during this uncertain time. Visit the WE CARE webpage for details. Please reach out to us so that we can discuss your personal needs and work to find a solution. 
 
Q: What other resources are available for financial assistance?
A: Be aware that there are services outside of Wakota FCU that also may be of help to members, such as unemployment insurance. Click here for additional resources.
 
Q: What else should members be on the lookout for?
A: Be mindful of fraud. Criminals exploit crisis situations to get you to release your personal information. Visit our COVID Finanical Resources page for more information.
 
General Information and Resource Support
Q: Will Wakota hold its 89th annual meeting?
A: Wakota’s annual meeting scheduled for April was postponed. It has recently been rescheduled for Wednesday, September 30. Registration details to come soon.
 
Q: Where can I get more information about Coronavirus?
 
Q: How do I know if I have Coronavirus?
A: This link provide information from the CDC on the symptoms of coronavirus.
 
Q: What do I do if I am sick?
A: Here is a resource from the CDC on what to do if you’re sick 
07/24/2020 Update

Masks are now required.

The lobby is only available by appointment. Before visiting our branch lobby, please review our new procedures to maintain everyone’s health and safety.
 
As of July 25, 2020, per the Governor’s Executive Order 20-81, people in Minnesota are required to wear a face covering in all indoor businesses and public indoor spaces, unless alone. This excludes those who are exempt according to the order.
 
We request that you bring your own mask to your lobby appointment. If you do not have one, you may not be granted entry and we may conduct your business virtually or in the drive-up.
 
To learn more about the Executive Order, click here.
 
If you are feeling ill, please stay home. Instead of visiting the lobby or drive-up, take advantage of phone or online services.
 
Our online services make accessing your accounts easy and convenient.
  • Open new accounts and apply for loans
  • Check balances and transactions.
  • Deposit checks, Pay bills, make loan payments and transfers.
  • eSign offers convenient opportunities to sign documents for your accounts or loans.
  • And so much more. Visit our website to learn more.
 
Details for Lobby Visits:
  • Lobby service now available by appointment. Call a representative at 651-451-3330 or visit our online scheduling page to secure your appointment today. In some cases an appointment may not be required. All teller transactions will continue to be drive-up only.
  • We are maintaining a limit of 4 guests in our lobby at any given time. No more than 2 per appointment. It is recommended to find temporary care for children.
  • You may be required to remain in your car until the previous appointment vacates the premise.
  • Upon entry of the branch you will be required to complete a Health Screening form. Depending on the results you may be denied entry.
  • Face coverings are required as of July 25, 2020. You will be asked to present an ID and lower your face covering for identification. Disposable facemasks and gloves are available upon request.
  • Hand sanitizer will be available in the front entry for all members to use as they enter and leave our branches. Sanitizer will be offered throughout the branch.
  • Floor guides have been placed to assist with social distancing.
  • Hand shaking, as a social greeting, will be temporarily discontinued from staff. Thank you for understanding.
  • For safety reasons, lobby seating, restrooms, magazines, and children’s toys will not be available.
 
 
Feel free to reach out with any questions or concerns by calling 651-451-3330 or emailing info@wakotafcu.org.
 
Thank you for your membership.
06/26/2020 Update

The credit union lobby is now open by appointment only.

Before visiting our branch lobby, please review our new procedures to maintain everyone’s health and safety.
 
Most importantly, if you are feeling ill please stay home. Instead of visiting the lobby or drive-up, take advantage of phone or online services.
 
Our online services make accessing your accounts easy and convenient.
  • Open new accounts and apply for loans
  • Check balances and transactions.
  • Deposit checks, Pay bills, make loan payments and transfers.
  • eSign offers convenient opportunities to sign documents for your accounts or loans.
  • And so much more. Visit our website to learn more.
 
Details for Lobby Visits:
  • Please make an appointment to visit our lobby. You will need one scheduled ahead of your visit to be granted entry. Call a representative at 651-451-3330 or visit our online scheduling page to secure your appointment today.
  • The number of guests allowed in our lobbies will be limited to 4 at any given time. No more than 2 per appointment. It is recommended to find temporary care for children.
  • You may be required to remain in your car until the previous appointment vacates the premise.
  • Upon entry of the branch you will be required to complete a Health Screening form and have your temperature checked. Depending on the results you may be denied entry.
  • Although not required, facemasks are recommended, especially for those who may be of high risk. Disposable facemasks and gloves are available upon request. Remember: facemasks work best when everyone wears one.
  • Hand sanitizer will be available in the front entry for all members to use as they enter and leave our branches. Sanitizer will be offered throughout the branch.
  • Distance markers have been placed on floors as a reminder to maintain 6 feet of social distance when possible.
  • Hand shaking, as a social greeting, will be temporarily discontinued from staff. Thank you for understanding.
  • For safety reasons, lobby seating, restrooms, magazines, and children’s toys will not be available.
 
 
Feel free to reach out with any questions or concerns by calling 651-451-3330 or emailing info@wakotafcu.org.
 
Thank you for your membership.
05/07/2020 Update
We are here to serve our members and community.
 
As of Thursday, April 30, Minnesota Governor Walz has extended the Stay-at-Home Order until Monday, May 18. In response, Wakota FCU (WFCU) will remain in current operations until further notice as an essential business. Your credit union will continue to follow the pandemic changes closely and act according to the highest safety standards.
 
In order to protect the health of staff and members, WFCU current operations include:
  • Drive-up with extended services remains open during regular business hours.
  • Lobby will remain closed until further notice.
  • Please remember that in-person visits to the branch are limited to our drive-up, which can mean traffic back-ups from time to time.
  • Go digital with online, text banking, mobile banking and mobile check.
  • Loans and non-cash member services remain available by online and mobile banking, phone, and email.
  • If you need assistance with a safe deposit box, you can schedule an appointment by calling our office or sending a request here.
  • In addition to our branch, you have access to an extensive network of surcharge-free ATMs throughout the U.S. (click here) and Shared Branches nationwide (click here).
 
The WE CARE Relief Program is still available for member experiencing financing hardship. Click here to learn more.
 
Feel free to reach out with any questions or concerns by calling 651-451-3330 or emailing info@wakotafcu.org.
 
Thank you for your membership.
 
And remember we are all in this together and we will come out stronger! 
03/27/2020 WE CARE Relief Program
The WE CARE Relief Program includes options to assist our members and the community we serve with emergency assistance during times of national distress. Since the Coronavirus (COVID 19) has been causing disruptions to regular day life in the United States and around the world, Wakota FCU is implementing and offering relief services and emergency loans. The program includes:
 
  • Fee Waivers and Reversals
  • Skip Payments
  • Reduced Payment Options
  • Loan Modifications
  • Emergency Personal Loans
  • Share/Certificate Secured Loans
 
As each individual’s situation is different the credit union staff is prepared to tailor the program to fit your needs and help you get through hardships you may be experiencing. Please note that not every member may be eligible for each offered support service. 
 
Feel free to reach out with any questions or concerns by calling 651-451-3330 or emailing info@wakotafcu.org.
 
Please remember we are all in this together and we will come out stronger! 
03/25/2020 Stay at Home Order Press Release

Wakota Federal Credit Union Remains Open to Serve

Credit Unions are an essential service and are open to serve during the Stay at Home order for Minnesota

South St. Paul, Minnesota – As financial institutions are an essential service, Wakota Federal Credit Union (WFCU) remains open to serve members during this the stay at home order declared by Governor Walz on March 25, 2020.

WFCU deposits are insured by the National Credit Union Administration (NCUA) per individual up to $250,000, just as bank deposits are insured by the FDIC. Members can rest assured their money is safe.

The health and safety of members and staff remain a top priority. Therefore, only our drive-up will be available for transactions.

In addition, WFCU urges consumers to use online and mobile tools, or call 651-451-3330 to make transfers or ask questions about financial options.

WFCU offers a range of solutions to help members manage through temporary or extended periods of reduced or lost income. The credit union is waiving many fees, offering loan skip payments and recently announced “WE CARE” emergency loans.  Members who need immediate financial counseling can call our partner, GreenPath, free of charge. Visit our website for details.

In addition, the Minnesota Credit Union Network (MnCUN) introduced a website with additional resources from financial counseling to food insecurity for Minnesotans during the COVID-19 pandemic: www.mncun.org/ConsumerCoronavirusResources.

Consumers are urged to work with their credit union on any financial concerns they may have, rather than withdrawing large amounts of cash. Any withdrawal of cash eliminates the NCUA insurance, and could put people’s public safety at risk.

Furthermore, Wakota Federal Credit Union encourages the following guidance from the CDC, law enforcement, and Minnesota’s Attorney General:

The CDC is recommending using tap and electronic payments to minimize the risk of spreading COVID-19. Information can be found at: https://www.cdc.gov/coronavirus/2019-ncov/downloads/workplace-school-and-home-guidance.pdf

Minnesota’s Attorney General Keith Ellison has advised consumers to be hyper-aware of COVID-19 scams and report price gouging. Information can be found at: https://www.ag.state.mn.us/Office/Communications/2020/03/13_CoronavirusScams.asp

“We recognize that with the constantly changing COVID-19 situation, this is an unprecedented time filled with uncertainty.” Mary Matheson, President and CEO said. “Wakota Federal Credit Union is committed to meeting the financial needs of our members through this evolving situation. We want our members to know that we understand the importance of our service and the responsibility that entails. One thing they can be certain of is their credit union is here for them.”

About Wakota Federal Credit Union

Established in 1931, Wakota Federal Credit Union formally known as Armour Credit Union was originally formed to provide “Savings and Thrift” to the Armour Foods employees and their families. Our name was changed in 1997 to Wakota Federal Credit Union as we became a community and federally chartered credit union. The name Wakota is derived from a bridge in South St. Paul that connects Washington and Dakota Counties. Wakota is a word that is easily identifiable to the community of South St Paul where our main office is located. Wakota FCU has grown considerably since its inception and now services all of Dakota County providing all the “Big Bank” services with that small home town feel. While our heart is in South St Paul, our members can transact business at over 5000 credit union shared branches metro, nationally and worldwide. We are YOUR Banking Alternative. To learn more visit www.wakotafcu.org or call us at 651.451.3330

###

3/20/2020 Update
As many of you are aware, the efforts to slow the COVID-19 disease are causing quite a disruption to regular daily life. Here at the credit union we are working diligently to serve our members while keeping the health of our members, staff and the entire community as top priority.
 
 
We are writing you today to inform you of operational changes the credit union is implementing during this volatile time.
 
 
  1. As of Monday, earlier this week, we closed the lobby to general walk-in but were still accepting appointments. Beginning Monday, March 23rd the lobby will remain temporarily closed completely. However, if you absolutely need to access your Safe Deposit Box please call or email us to set-up an appointment and you will be allotted a 5 minute window to do so. At this time we do not have an ending date scheduled. We are closely following state and federal direction and recommendations.
  2. Drive-up will remain open during regular business hours, with extended services available in lane one.  Wait times in the drive-up may be longer than normal. Please be patient as we work with you to provide service in a timely manner. Night depository is also available and deposits will be processed promptly during open hours.  Cash limit will be set at $2,500. If you need to withdraw more than that, we can accommodate with a 7-day advance notice.
  3. Shared Branching: We also have a large selection of Shared Branch Service Center locations still available. Cash withdrawal limits are $500 at these locations. You can use our Branch Locator to find available locations.
  4. Lending services will remain available. You may apply online here, by calling our main line 651-451-3330 or email requests to info@wakotafcu.org (please do not email sensitive information).
  5. The credit union is happy to offer assistance and relief, if you experience financial difficulty during this pandemic. We have a variety of tools available; please call us to start a conversation.
  6. At this time we have cancelled all Wakota FCU events including our annual meeting on April 28, 2020. Continue to check our website for updates and possible rescheduled events.
 
Reminders:
 
 
  1. Your money is SAFE! All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at MyCreditUnion.gov.
  2. Keep an eye out for potential scams related to COVID-19. Here is an article from the Federal Trade Commission with more information.
  3.  The CFPB (Consumer Financial Protection Bureau) has resources and tips to protect yourself financially from the impact of the coronavirus. View the article here. 
  4. Use your Debit or ATM card to access funds. There are thousands of surcharge free MoneyPass ATM locations nationwide. Find a location here. Don’t have a card? We strongly suggest that you apply for one. Call a representative to place an order today.
  5.  Wakota FCU offers a robust suite of online and mobile banking products for your convenience. Visit our website to learn more and download our mobile app for Android and Apple today!
  6. One last thing to note at this time we are suspending our seasonal printed newsletter due to rapid changes and the need for prompt communications. Stay up-to-date with all changes on our COVID-19 Updates page.
 
Through these tough times, we will continue to do what’s best for our members and staff. We care about you and value you as a member. Thank you for your patience as we navigate the ever-changing world we live in.
 
 
Thank you for being a member.
 
Cooperatively,
Wakota FCU Staff
3/13/2020 Update

With the coronavirus (COVID-19) becoming more active in our area, we want to assure our members that Wakota FCU is taking measures to keep our staff and members protected while we continue to provide access to your accounts and loans.  We have been tracking the situation daily, offering our employees standing guidance.

  1. Beginning Monday, March 16, our main office, located at 1151 Southview Blvd, South St Paul will close our lobby access to the public. We will be available by appointment for non-cash transactions. To make an appointment please call 651-451-3330 ext. 3. The public areas are sanitized throughout the day. The drive-up and ATM will be in full service for cash transactions.  
  2. The night drop will be checked throughout the day for deposits.
  3. Refrain from non-essential visits into the branch. General cash activity should take place through our drive-up as well as using ATM’s.
  4. Anyone wearing a mask will be asked to remove the mask for security and identification purposes.
  5. We continue to be proactive in setting up the safest environment for Wakota and its community. We ask that you do the same with regards to avoiding close contact, hand shaking, and following proper hygiene.
  6. We encourage our employees and our members to practice social distancing and to stay home when ill or if contact with a known infected person has occurred.
  7. Key departments of the organization are equipped to work remotely, if necessary, to ensure we can continue to serve our members.
  8. At this time we have have cancelled all Wakota FCU events including our annual meeting on April 28, 2020. Continue to check our website for updates and possible rescheduled events.

 

Wakota FCU continues to monitor the situation and will make changes to keep our employees and members safe and minimize the possibility of spreading this illness.

For the most up to date information follow us on Facebook and Twitter.  Updates will also be posted in our lobby and on our website: https://wakotafcu.org.

We will continue to monitor this ever-changing public health situation. Our Board of Directors and Management Team are ready to ensure our service remains uninterrupted and at the highest level possible.

Please feel free to reach out to us with any concerns at 651-451-3330 or info@wakotafcu.org.

Thank you for your membership and stay healthy out there!

Access to your credit union: 

You can manage your accounts and bank from your phone or computer with our online and mobile banking features. Mobile banking is secure and can be used anywhere and it has expanded features to replace your in-branch experience, including:
 
Manage your accounts online and download the Wakota Federal Credit Union mobile app from the Google Play Store and Apple App Store: https://wakotafcu.org/manage/

ATM Access

Wakota FCU has more than 50,000 surcharge-free ATMs nationwide. Many of these ATMs also can take check and cash deposits.  You can locate ATMs near you by using our mobile app or visit our website: https://wakotafcu.org/accounts/atm-locations

Debit & Credit Cards

Your credit and debit cards give you immediate access to your money. And you can use them anywhere Visa® is accepted. You also have the option to freeze and unfreeze your debit cards at any time through the mobile app.

Call Center

You can call us to check balances, make loan payments, verify funds, and more. Call 651-451-3330. We will continue to be available Mon-Fri from 7:00am to 7:00pm and on Sat from 7:00am-4:30pm.